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KLARNA GROUP PLC (KLAR) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:KLAR - GB00BMHVL512 - Common Stock

29.74 USD
+0.47 (+1.61%)
Last: 1/6/2026, 8:04:00 PM
29.79 USD
+0.05 (+0.17%)
After Hours: 1/6/2026, 8:04:00 PM
Fundamental Rating

2

Overall KLAR gets a fundamental rating of 2 out of 10. We evaluated KLAR against 98 industry peers in the Financial Services industry. While KLAR seems to be doing ok healthwise, there are quite some concerns on its profitability. KLAR is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year KLAR has reported negative net income.
KLAR Yearly Net Income VS EBIT VS OCF VS FCFKLAR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 0 500M -500M -1B

1.2 Ratios

KLAR has a Return On Assets of -1.09%. This is in the lower half of the industry: KLAR underperforms 76.53% of its industry peers.
KLAR's Return On Equity of -9.23% is on the low side compared to the rest of the industry. KLAR is outperformed by 77.55% of its industry peers.
Industry RankSector Rank
ROA -1.09%
ROE -9.23%
ROIC N/A
ROA(3y)-3.41%
ROA(5y)N/A
ROE(3y)-18.24%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
KLAR Yearly ROA, ROE, ROICKLAR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 0 -10 -20 -30 -40

1.3 Margins

KLAR does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
KLAR Yearly Profit, Operating, Gross MarginsKLAR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 0 -10 -20 -30 -40 -50

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4

2. Health

2.1 Basic Checks

KLAR does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for KLAR remains at a similar level compared to 1 year ago.
KLAR has a worse debt/assets ratio than last year.
KLAR Yearly Shares OutstandingKLAR Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 100M 200M 300M
KLAR Yearly Total Debt VS Total AssetsKLAR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

KLAR has a Debt/Equity ratio of 1.07. This is a high value indicating a heavy dependency on external financing.
KLAR has a Debt to Equity ratio (1.07) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 1.07
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.14%
KLAR Yearly LT Debt VS Equity VS FCFKLAR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 500M 1B 1.5B 2B

2.3 Liquidity

KLAR has a Current Ratio of 12.75. This indicates that KLAR is financially healthy and has no problem in meeting its short term obligations.
KLAR's Current ratio of 12.75 is amongst the best of the industry. KLAR outperforms 98.98% of its industry peers.
KLAR has a Quick Ratio of 12.75. This indicates that KLAR is financially healthy and has no problem in meeting its short term obligations.
KLAR's Quick ratio of 12.75 is amongst the best of the industry. KLAR outperforms 98.98% of its industry peers.
Industry RankSector Rank
Current Ratio 12.75
Quick Ratio 12.75
KLAR Yearly Current Assets VS Current LiabilitesKLAR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 2B 4B 6B 8B 10B

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 108.96% over the past year.
Looking at the last year, KLAR shows a very strong growth in Revenue. The Revenue has grown by 23.51%.
EPS 1Y (TTM)108.96%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)23.51%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

Based on estimates for the next years, KLAR will show a very strong growth in Earnings Per Share. The EPS will grow by 174.13% on average per year.
Based on estimates for the next years, KLAR will show a very strong growth in Revenue. The Revenue will grow by 25.58% on average per year.
EPS Next Y-1019.09%
EPS Next 2Y221.08%
EPS Next 3Y174.13%
EPS Next 5YN/A
Revenue Next Year27.11%
Revenue Next 2Y28.19%
Revenue Next 3Y25.58%
Revenue Next 5YN/A

3.3 Evolution

KLAR Yearly Revenue VS EstimatesKLAR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B 5B
KLAR Yearly EPS VS EstimatesKLAR Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0 0.5 -0.5 1

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4. Valuation

4.1 Price/Earnings Ratio

KLAR reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
The Price/Forward Earnings ratio is 48.08, which means the current valuation is very expensive for KLAR.
Based on the Price/Forward Earnings ratio, KLAR is valued a bit more expensive than the industry average as 76.53% of the companies are valued more cheaply.
KLAR's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 23.79.
Industry RankSector Rank
PE N/A
Fwd PE 48.08
KLAR Price Earnings VS Forward Price EarningsKLAR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 40 -40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
KLAR Per share dataKLAR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

A more expensive valuation may be justified as KLAR's earnings are expected to grow with 174.13% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y221.08%
EPS Next 3Y174.13%

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0

5. Dividend

5.1 Amount

KLAR does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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KLARNA GROUP PLC

NYSE:KLAR (1/6/2026, 8:04:00 PM)

After market: 29.79 +0.05 (+0.17%)

29.74

+0.47 (+1.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-18 2025-11-18/dmh
Earnings (Next)N/A N/A
Inst Owners40.58%
Inst Owner Change0%
Ins Owners13.18%
Ins Owner ChangeN/A
Market Cap11.22B
Revenue(TTM)5.24B
Net Income(TTM)-226.00M
Analysts81.82
Price Target46.54 (56.49%)
Short Float %4.33%
Short Ratio5.12
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-7.01%
PT rev (3m)-13.92%
EPS NQ rev (1m)-28.87%
EPS NQ rev (3m)-112.75%
EPS NY rev (1m)5.55%
EPS NY rev (3m)-578.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.17%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 48.08
P/S 2.14
P/FCF N/A
P/OCF N/A
P/B 4.58
P/tB 8.15
EV/EBITDA N/A
EPS(TTM)-0.62
EYN/A
EPS(NY)0.62
Fwd EY2.08%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS13.88
BVpS6.49
TBVpS3.65
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -1.09%
ROE -9.23%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-3.41%
ROA(5y)N/A
ROE(3y)-18.24%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.25
Health
Industry RankSector Rank
Debt/Equity 1.07
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 12.75
Quick Ratio 12.75
Altman-Z N/A
F-ScoreN/A
WACC9.14%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)108.96%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y-1019.09%
EPS Next 2Y221.08%
EPS Next 3Y174.13%
EPS Next 5YN/A
Revenue 1Y (TTM)23.51%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year27.11%
Revenue Next 2Y28.19%
Revenue Next 3Y25.58%
Revenue Next 5YN/A
EBIT growth 1Y63.64%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year115.88%
EBIT Next 3Y108.74%
EBIT Next 5YN/A
FCF growth 1Y-27.35%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-27.35%
OCF growth 3YN/A
OCF growth 5YN/A

KLARNA GROUP PLC / KLAR FAQ

Can you provide the ChartMill fundamental rating for KLARNA GROUP PLC?

ChartMill assigns a fundamental rating of 2 / 10 to KLAR.


What is the valuation status of KLARNA GROUP PLC (KLAR) stock?

ChartMill assigns a valuation rating of 1 / 10 to KLARNA GROUP PLC (KLAR). This can be considered as Overvalued.


How profitable is KLARNA GROUP PLC (KLAR) stock?

KLARNA GROUP PLC (KLAR) has a profitability rating of 0 / 10.


How financially healthy is KLARNA GROUP PLC?

The financial health rating of KLARNA GROUP PLC (KLAR) is 4 / 10.